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During the live broadcast, I mentioned the credit card limit increase cycle many times, but there are very few banks that really raise the limit according to the cycle, and the main reason for this situation is related to our usual habit of using cards Xi cards. After all, since the bank has this quota increase cycle, it means that the bank must also want to raise the amount for everyone after the cycle is up, but the premise is that you have to follow the bank's credit card standards. Otherwise, all cardholders don't have to do anything, just sit back and wait for the cycle to come and raise the amountThis is obviously impossible.
Normally, if a card can raise the limit once or twice a year, whether it is a temporary or fixed limit, as long as the card can raise the limit, it means that your credit card account is normal. As long as the card account is raised according to the bank's credit card standard under normal circumstances, and then the bank is used to plan the amount increase in the cycle, the amount can basically be increased stably in the later stage. So how to plan, let's take a closer look.
First of all, the current card increase cycle is generally 3+1 and 6+1 mode, for example, the Agricultural Bank of China and the Construction Bank are generally in the six-phase mode, but they will normally be extended to 7+1 or even 8+1. Some other commercial banks such as Everbright, CITIC, Huaxia and Ping An are also in the 6+1 quota increase cycle. In addition, such as Pudong Development, China Merchants, Guangfa, Industrial Development, and Minsheng, these are all 3+1 quota increase cycles. The number here is a month, which is the time of one bill. The +1 that follows is the first day after the bill date.
After we understand the card cycle in our hands, we can use this cycle to plan the time for card maintenance and card withdrawal. The card of the normal 3+1 withdrawal cycle can be swiped casually on the first bill day in front of us, without any skills at all, of course, not just TX. You can do it appropriately, so it will not affect your later increase. However, you should pay attention to the next 2-3 instalment of the bill date. Try to use the bank's preference for credit card consumption to match real consumption. For example, banks such as China Merchants and Pudong Development Co., Ltd., which prefer online merchants, can write online scan code consumption within the next two bills.
Of course, for the amount increase cycle is 6 installments, then the previous installments are the same, there is no skill at all, just go directly to the card to consume, or you can appropriate tx. The main maintenance time of the card in this kind of quota increase cycle is the next 5-6 bills. Of course, if there are still cardholders who still don't know how to raise. Then you only need to remember these three elements of raising cards. They are to increase the number of consumption, increase the consumption limit and diversify consumption. There is also a key point in time to pay attention to the amount of money raised, which is the number of days after the billing date when the period is up. If you normally follow the above methods, most cardholders can raise the amount directly after the bill date. However, if some cardholders have high debts and the installment has not been settled, there will be a delay in raising the amount, because the amount will not be raised in the installment.
For example, the following financing class cardholders, others have been reducing the amount of risk control recently, but they are raising the amount normally.
Of course, there is another detail to pay attention to, that is, to grasp the time point before the bill date, which is about 10 days before the bill date. At this time, you can have more normal consumption, and don't do tx behavior in this suitability. Grasp this point in time, if you plan intensive cultivation in accordance with the three elements of the card in the early stage, the amount will basically be raised steadily in the later stage, and there will be no long-term non-increase.